IRCTC Rupay SBI Credit Card

  • Joining Fee: Rs. 500 (plus applicable taxes)
  • Renewal Fee: Rs. 300
  • Best Suited For: Travel
  • Reward Type: Reward Points
  • Welcome Benefites: You get 350 reward points on a minimum transaction of Rs. 500 within 45 days after receiving the card. You also get Rs 100 cashback on your first ATM withdrawal within 30 days of card issuance.
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The IRCTC Rupay SBI Credit Card is a co-branded credit card that provides exciting rewards and benefits in partnership with The card comes with a joining fee of just Rs. 500 and is best suited for people who travel more through railways. With this card, you get 1 Reward Point for every Rs. 125 on retail purchases and on railway ticket bookings through the IRCTC website or mobile app. It provides you exciting welcome benefits, including a welcome bonus of 350 reward points, where 1 Reward Point is equal to Re. 1. Moreover you get great travel benefits, such as 4 complimentary Railway lounge access every year, and accommodation at over 5000 hotels across 350 leading cities in India. To know full details about the IRCTC Rupay SBI credit card, its benefits, and fees & charges, you must keep reading the information given below:

New Features

Spend Based Waiver


Interest Rates

3.5% per month (42% per annum)

Add-on Card Fee


Rewards Redemption Fee

Rs. 99

Fuel Surcharge

1% fuel surcharge waiver across all petrol pumps in India for all transactions between Rs. 500 to Rs. 3,000. You can get a maximum waiver of Rs. 100 in a statement cycle.

Foreign Currency Markup

3.5% per foriegn conversion

Cash Advance Charges

2.5% or Rs. 500 (whichever is higher)

Movie & Dining



You get complimentary railway lounge access every year through the Railway Lounge Program and accommodation at more than 5000 hotels across 350+ cities in India.

International Lounge Access


Rewards Rate

1 Reward Point on every spend of Rs. 125.



Insurance Benefits


Reward Redemption

The RPs you earn are credited to your IRCTC Rupay SBI credit card.

Domestic Lounge Access

4 complimentary domestic railway lounge access every year (1 per quarter).

Zero Liability Protection

The cardholder will not be liable for any fraudulent transaction done through their card once the card is reported lost/stolen.


No data available


No data available

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